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Messages - Solonoid

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5521
The Flood / Re: Bennu Mount or Chinese tonight?
« on: April 12, 2016, 09:31:19 AM »
Which one is which? And why would they make me sad regardless?

You can be sad now or be sad later,but you're gonna be sad either way.
You can the Chinese food and be sad when you don't have the mount later, or you can get the mount and be sad that you don't have Chinese food tonight.

It's whatever you wanna do.

5522
The Flood / Re: I got hit by a car today
« on: April 12, 2016, 09:30:10 AM »
I was hit by a motorcycle barreling down the road on the run from the cops when I was in high school.

My bag broke my landing, but the guy wiped the fuck out and I was sore for weeks.

5523
The Flood / Re: Bennu Mount or Chinese tonight?
« on: April 12, 2016, 09:26:26 AM »
You can be sad now or be sad later,but you're gonna be sad either way.

5524
The Flood / Re: The Earth is made of gummy bears
« on: April 12, 2016, 09:24:55 AM »
What possessed you to make such a pointless thread
Dee

Sent from my Z Nuts using Tapatalk

5525
The Flood / Re: I hate popular things.
« on: April 12, 2016, 09:23:35 AM »
The Godfather though
I was not impressed when I finally saw it.
Did you let the hype get to you?

Normally, this is where I would say something like, "Cultural osmosis has put this movie on a pedestal," but honestly, having seen the movie three or four times, I think it deserves it. Like, it genuinely boggles my mind how good that movie is.

I'm curious to know what you weren't impressed by.
Nick Cage's sleazy uncle was a half cocked and snooze inspiring director.

I fall asleep every time I try to watch that snore fest.

5526
The Flood / Re: ginger nuts are objectively the best kind of biscuit
« on: April 12, 2016, 09:21:57 AM »
I hate the taste of ginger so much
When I was a child my German nanny fed my sister and I almost exclusively beets and ginger.

Can't eat either to this day.

5527
The Flood / Re: Fml might cry my eyes out
« on: April 12, 2016, 09:16:43 AM »
Don't worry it woulda probs been bath salts anyways.
Whoa man if you can't tell the difference between being high on methylated phenylethylamine based substances and being high on pyrovalerone based substances then you need to not do drugs ever.

Throw methyelenedioxy into the mix with one and everybody has fun, the other and everybody gets their face eaten.

For The Kids
When making you own Molly, be sure to oxygenate the methylene only once, then after learning your lesson, purchase it from real drug dealers.

5528
The Flood / Re: The Earth is made of gummy bears
« on: April 12, 2016, 09:00:04 AM »
Dirt does not taste like gummy bears.
Yeah but you live in Australia where everything is shit.

5529
The Flood / Re: Hey guys whats up
« on: April 12, 2016, 08:58:59 AM »
Been pretty good.

Just killed a pack of smokes and three pots of coffee.

Sent from my Half Eaten Tuna Salad Sandwich using Tapatalk

5530
The Flood / Re: Hey guys whats up
« on: April 12, 2016, 08:57:28 AM »
Oops, should probably use my phone.

Sent from my Nokia 3310 using Tapatalk

5531
The Flood / Hey guys whats up
« on: April 12, 2016, 08:54:47 AM »
Sent from my Atari Video Computer System 2600 using Tapatalk

5532
But not the hero we deserve.
It's deserve > need.

i think it's hilarious how often people fuck up this line
Yeah but we need Trump and have done nothing to deserve him.

5533
The Flood / The Earth is made of gummy bears
« on: April 12, 2016, 08:48:28 AM »
Prove me wrong.
ProTip
To prove something concretely, beyond any shadow of doubt is, impossible.

Therefore:

You can't.

5534
The Flood / Re: Fml might cry my eyes out
« on: April 11, 2016, 10:14:57 PM »
Yo dawg I got the hookup on some good single methylated shit.

Your body doesn't need to break it down, so there's less stress and a more intense high.

Fuck that double methylated noise, the methylene dioxide makes it stupid and harmful, and they only do it like that because crystal gets better the more you methylate it.

Good fucking methylenedioxyamphetamine.

Methylenedioxymethamphetamine takes a toll.

5535
The Flood / Re: I hate popular things.
« on: April 11, 2016, 10:09:07 PM »
Yes, completely and utterly.

5536
If we allowed companies to reconsolidate, and then broke them down again

Why on Earth would any company cooperate with this when there's already a mad dash for inversions and regulation avoidance in the U.S.?
That's why we don't tell them the plan.

You lift antitrust regulations and let them go nuts and then slap them right back on and experience fifteen years of glorious capital growth.

5537
Where on earth did payday credit become involved in this?
How do you say that, and then say:

Quote
only that giving medium to low interest loans to low income individuals is working for small banks and there's no reason it couldn't for large banks.
This is literally what payday loans are. At least, that's what they refer to over here.
A payday loan is when you get a few hundred dollars in exchange for your entire next paycheck, with some collateral on the table that's worth thousands of dollars ensuring you follow up.
As far as I know, that's not correct. Literally the first line of the Wikipedia page specifies that payday loans are not backed by collateral, and are not necessarily related to the borrower's incoming wages. And I can say that, at least in the U.K., this is usually what payday loans refer to. Just small and usually short-term loans.
Yes, incredibly short, within the month. And there's not a payday loan place near here that won't demand collateral.

But I'm not talking about short term loans when I talk about credit, nor did I give any reason (in my opinion) to make you think so.

To answer your other question, these are the rates I was offered by Chase and Randolph Brooks Federal Credit Union.

Mortgages
Chase: 3.581%APR
RBFCU: 1.95%APR

Credit Cards
Chase: 23%APR
RBFCU: 17%APR

Checking Interest
Chase: 😂
RBFCU: .006% Annually

Savings Interest
Chase: .0005% Annually
RBFCU .13% Annually

For future reference, when referring to low income credit, I'm talking about car financing, mortgages, and credit cards.

Payday loans ridiculous and stupid and you would only get them if you were extremely desperate.

5538
Where on earth did payday credit become involved in this?
How do you say that, and then say:

Quote
only that giving medium to low interest loans to low income individuals is working for small banks and there's no reason it couldn't for large banks.
This is literally what payday loans are. At least, that's what they refer to over here.
A payday loan is when you get a few hundred dollars in exchange for your entire next paycheck, with some collateral on the table that's worth thousands of dollars ensuring you follow up.

5539
The Flood / Re: I hate popular things.
« on: April 11, 2016, 09:23:35 PM »
There is only one theme in all of storytelling.

'Who am I?'
Disagree.

There is also "who are we," and "what are we doing," which are some of my personal favorite things to ponder.
Both of which boil down to who am I in the end.

5540
The Flood / Re: I hate popular things.
« on: April 11, 2016, 09:17:34 PM »
Relatability is about as shallow as you can get, by the way. It's the most safe form of film-making there is. Not that there's anything wrong with that--it's the easiest way to make an entertaining movie. But it isn't deep.

If you're able to take something away from a movie that you CAN'T relate to, or can only relate to in abstract ways?

That's deep.
There is only one theme in all of storytelling.

'Who am I?'

If you fail to utilize this well, then your story is a failure, and it will be either ignored or forgotten.

Sometimes the depth is in finding a new way to convey this theme, but the depth always stems from it.

5541
The Flood / Re: Just got a $60 parking ticket..
« on: April 11, 2016, 09:10:43 PM »
Damn daniel

5542
Smaller banks actually compete with each other and offer better services accordingly, but massive banks run off of their size and brand recognition alone to cheat people out of insane amounts of money.
What, you think different sized banks aren't subject to different regulations which affect operating costs?

It's virtually impossible for decently-sized banks to offer 'payday' credit at reasonable prices.

Quote
Currently, the Office of the Comptroller of the Currency, which regulates banks, has such stringent underwriting standards that it costs more for banks to meet the paperwork-intensive requirements than they could reasonably charge for such small sums. Indeed, the regulations have in practice (though not in rule) banned banks from offering small credit to a broad range of people.
Where on earth did payday credit become involved in this?

The simple fact is that larger banks with resources to lower prices choose not to.

I didn't say we should go out giving loans to people with bad credit, only that giving medium to low interest loans to low income individuals is working for small banks and there's no reason it couldn't for large banks.

I don't suppose you've ever had an underwriting job before (its what I did for Zurich) but this is how it goes.

•A legal team writes policy backs and calculates rates to plug into them according to variables that the applicant may represent.

•Policy backs are updated when new regulatory data is released

•Clients plug in their own information and rates are instantly calculated

•An underwriter reviews client information to ensure eligibility, then either green lights, or adjusts rates, or denies the application

•The client pays back their loan with interest [in the case of credit cards this step is repeated many, many times]

The expensive part is step 2, which has to be done whether you offer affordable interest to the poor or not, and if you offer no credit to them, you only lose money.

Banks have figured that out, and offer small, high interest loans to low income individuals, not quite as high as payday lenders, but its still there.

The payday loan market exists to take advantage of people with bad credit, not low income.

And by loan I'm talking almost exclusively about credit cards, mortgages, tangible things like that, not cash in hand loans, which should be reserved for those who have the means to pay them back curtly.

Banks that operate in every state do spend about 50x as much in underwriting, because every state needs its own policy back, but they compensate by make 100x+ more capital income.

5543
The Flood / Re: I hate popular things.
« on: April 11, 2016, 08:38:01 PM »
Stimulating to and identifiable with the viewer.

You know, something you can find deep, personal meaning in?
I detest this definition, because that means literally any movie can be deep.

I just don't think it's the sort of word that you should just throw around, because it devalues it.

But sure, if Star Wars has some kind of meaning to you, I can't take that away from you. But I don't qualify that as "deep."
If you've never heard the phrase 'beauty is in the eye of the beholder' then you're completely off base in everything.

I don't find stimulation in, nor do I identify with Adam Sandler movies, but high and drunk people do, and they derive deep meaning from a lighthearted moral.

Anything can be deep, its just a matter of whether or not you are poised to receive and understand that depth.

That's that concretely are deep though, are things that any person, regardless of background, state of mind, or any other influential factors, finds that identification and simulation in.

I consider the themes conveyed in Star Warsto be an example of absolute depth, where the only people who cannot share in this wealth are in denial, or to the degree of desire to become better, entirely inhuman.

It's is this utterly complete relatability that makes something objectively deep, though not all depth is objective.

5544
The Flood / Re: I hate popular things.
« on: April 11, 2016, 08:26:44 PM »
The OT wins strictly because the fat rebel pilot in A New Hope is named Porkins.
Now there's a truly great character.

An everyman willing to give everything to accomplish a small role. A true hero, just like Licenseless Rider.

5545
The Flood / Re: I hate popular things.
« on: April 11, 2016, 08:23:41 PM »
Do you even know what deep means in this context?
I know exactly what "deep" means, but you people seem to be using it in a way outside of its definition, so feel free to explain to me precisely what you mean by "deep."

If it's "emotionally evocative," or something to that effect, I will literally find you.
Stimulating to and identifiable with the viewer.

You know, something you can find deep, personal meaning in?

5546
The Flood / Re: I hate popular things.
« on: April 11, 2016, 08:07:19 PM »
"It's not deep because I said so!"
It's not deep because it's not deep. Explain to me how, if Darth Vader were an original character, that would somehow make Star Wars deep.

It's the most shallow series I can think of.

Quote
Wanting to rule galaxies =/= Following someone who wants to rule the galaxy
Similar =/= Exactly the same.
Do you even know what deep means in this context?

Also stop arguing about Darth Vader, originality doesn't make something deep, and he was not very original.

I just listed a millenia old character with the same basic outline.

5547
The Flood / Re: Corsair fans vs. Cooler Master
« on: April 11, 2016, 07:47:44 PM »
I wanted to know if anyone else knows if Corsair is brighter than CM. I could've asked the other place I go to for computer discussion, but all I would get is memes.

I don't really get the point of this thread.
They're fans.

Pick the one that blows the hardest.

5548
The Flood / Re: I hate popular things.
« on: April 11, 2016, 07:46:40 PM »
Ian, please stop, Vader is an incredibly unoriginal character, his combination of familiar themes and top notch execution of them is what makes him so great.

5549
The Flood / Re: Corsair fans vs. Cooler Master
« on: April 11, 2016, 07:42:07 PM »
I don't really get the point of this thread.

Pick the fan that works the best.

I'm a minimalist so I would probably be using an opaque case with all flat sides and no lights showing save the power.

5550
The Flood / Re: I hate popular things.
« on: April 11, 2016, 07:36:40 PM »
You don't have to do anything new or different to have merit, its about how well you do it.

And it doesn't hurt to do it alongside the things that make Star Wars 'cool'
But no matter how "well" you execute it, it will NEVER be "deep."
It's the only thing that's deep.

Nothing can be without it.

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